Payments Risk Analyst

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Are you actively looking for a new opportunity? Or just checking the market? Well… you might just be in the right place!

We’re looking for an experienced Payments Risk Analyst based in Belfast to join our Global Risk team. In this role you will independently manage less-defined and more complex risk work while contributing to team projects and operational improvements. This role builds on Analyst I capability by recognising patterns, expanding findings, suggesting solutions, and applying sound judgement with minimal direction.

What you’ll be doing:

Reporting to the Risk Operations Lead, you will be responsible for daily monitoring within multiple risk queues along with various operational tasks including but not limited to:

• Manage complex transaction, merchant, onboarding, fraud, credit, and compliance cases across risk queues, owning end-to-end assessments using merchant,business, account, transaction, and other risk signals.

• Apply company, partner, supportability, and restricted-product policies to less-defined reviews with minimal direction, weighing competing factors and making sound decisions with imperfect information.

• Use reports, risk signals, case trends, operational data, and web-service tools to identify emerging threats, high-risk or suspicious activity, and opportunities for proactive mitigation.

• Balance portfolio protection and chargeback risk by assessing chargeback likelihood alongside the merchant’s capacity to repay.

• Resolve compliance violations and complex cases, identify material risks, escalate unresolved issues appropriately, and contribute to resolution and follow-up.

• Identify recurring issues, control gaps, and risk patterns across tools, workflows, queues, policies, and playbooks, and recommend practical improvements.

• Produce concise case summaries, findings, recommendations, and decision rationale; maintain accurate documentation and contribute to knowledge material, playbooks, and team learning.

• Lead complex customer communications and collaborate with Support, FS Merchant Services, Product, risk analysts, and other teams to resolve shared problems.

• Contribute to incidents, complex reviews, trend investigations, projects, process improvements, and team best practices while prioritising competing work effectively.

What you need to bring:

We are looking for a highly analytical and collaborative professional with experience within a relevant analyst role along with:

• 2 years of experience in payments, fraud, credit risk, compliance, or financial services operations or related discipline.

• Exposure to structured workflows, case management, queues, or service-level targets.

• Experience working with written procedures and maintaining accurate records.

• Interest in deepening existing knowledge on fraud, credit risk, merchant risk, and payments and suggesting improvements based on said knowledge.

• Knowledge of Card Scheme rules and regulations

• Understanding of the full Chargeback flow and process - Understanding chargeback risk timeframes.

• Strong working knowledge of Excel/Google Sheets

• Good conceptual thinking with proven analytic, problem-solving and effective reporting skills

• Experience managing structured case work with increasing complexity and limited direction.

• Ability to work independently and make decisions based on available information

• Ability to work in a dynamic fast-paced environment with tight deadlines

We know that people are more than what’s on their CV. If you’re unsure that you have the right profile for the role... hit the ‘Apply’ button and give it a try!

What’s in it for you:

Come live the Lightspeed Experience…

• Genuine career growth opportunities based on performance within a company that's continuously expanding

• Work with highly skilled people who are as passionate about Fraud & Risk as you are

• An environment that encourages initiatives and leadership

• Work in a team big enough for growth but lean enough to make a real impact

• Fun activities with your teammates & social events throughout the year

• Opportunity to learn, expand your skill set, forge wonderful relationships and make your mark within the diverse and inclusive Lightspeed culture, a true Canadian tech success story

… and enjoy a range of benefits that’ll keep you happy and healthy:

• Lightspeed equity scheme (we are all owners)

• Flexible Paid Time Off - providing you the freedom to take time off however you like

• Private Medical Insurance and cash health plan for optical, dental and more.

• Health & Wellness Credit- expense up to 400 GBP per year towards your gym membership, yoga classes, a new bike or whatever else you do for your health

• Mental Health Support through the LifeWorks and Modern Health Apps- whether it is meditation, coaching or counselling you need - each employee gets access to this platform

• Time off to volunteer and give back to your community

• Transit / parking benefit - for when you need to travel to the Belfast office

• A variety of drinks & snacks in our offices in Belfast.

To all recruitment agencies: Lightspeed does not accept unsolicited agency resumes. If we have not directly engaged your company in writing to supply candidates for a specific vacancy, Lightspeed will not be responsible for any fees related to unsolicited resumes.

Lightspeed is a proud equal opportunity employer and we are committed to creating an inclusive and barrier-free workplace. Lightspeed welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Where to from here?

Obviously, this has to be mutually beneficial: we want you to step into a role you love, and we want to offer you a place you’re proud to come to every day. For a glimpse into our world check out our career page here.

Lightspeed is building communities through commerce, and we need people from all backgrounds and lived experiences to do that. We were founded in 2005, in Montreal’s gay village and our original members were all part of the LGBTQ+ community. The ethos of our business has been about inclusion from the very beginning, and we strive to provide a workplace where everyone belongs.

Who we are:

Powering the businesses that are the backbone of the global economy, Lightspeed's one-stop commerce platform helps merchants innovate to simplify, scale, and provide exceptional customer experiences. Our cloud commerce solution transforms and unifies online and physical operations, multichannel sales, expansion to new locations, global payments, financial solutions, and connection to supplier networks.

Founded in Montréal, Canada in 2005, Lightspeed is dual-listed on the New York Stock Exchange (NYSE: LSPD) and Toronto Stock Exchange (TSX: LSPD). With teams across North America, Europe, and Asia Pacific, the company serves retail, hospitality, and golf businesses in over 100 countries.

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